Buying a home is an exhilarating milestone—unlocking the door to your future and hanging that "Welcome" sign. But before you pop the champagne, let’s talk about the less glamorous side of homeownership: hidden costs. These are the sneaky little expenses that can turn your dream home into a financial wake-up call if you’re not prepared.

At The Cobb Group, we pride ourselves on helping our clients navigate these complexities with confidence and clarity. Being educated and prepared in advance sets you up for success, and having the right Realtor makes all the difference. Let’s break down the real costs of owning a home, so you can plan ahead and enjoy every moment of your home-buying journey.

1. Home Insurance: Not Just a Box to Check

Imagine…

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The real estate market in Bluffton and Hilton Head Island thrived in 2024, showcasing the area’s appeal as a coastal paradise. With sandy beaches, scenic marshes, and a vibrant Lowcountry lifestyle, this market continued to attract buyers from all over. Let’s explore this year’s highlights and get a glimpse into what’s ahead for 2025.

2024 Buyer Trends: Who Made the Move?

The demographics paint a fascinating picture:

  • The Relocation Boomers: Buyers from New York, New Jersey, and the Midwest accounted for an estimated 35% of new residents. Drawn by the Lowcountry’s tax benefits, coastal charm, and vibrant communities, retirees and near-retirees were a major force in the market.

  • The Coastal Dreamers: Millennials and Gen X buyers…

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A rare opportunity is about to hit the market in Hampton Hall, and it’s sure to catch your eye. Located at 167 Farnsleigh Avenue, this exceptional property is one of the community’s finest homesites, offering a combination of stunning views, ultimate privacy, and an unbeatable location. Tucked away in a serene setting, this is the perfect place to bring your Lowcountry dream home to life. Looking for customization and something new, building is certainly the way to go. A custom home in an established community offers the best of both worlds. 

Unmatched Views and Privacy
This homesite is a true standout and one of the last opportunities to build your custom dream home in the award-winning Hampton Hall, named "Bluffton’s Best" Gated Community and…

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This is the homesite you’ve been waiting for! Nestled at the end of a coveted cul-de-sac, this extremely rare ½-acre lot offers unparalleled privacy and jaw-dropping views. Enjoy 180 degrees of serene lagoon vistas and golf course beauty, with views stretching across the large lagoon to the 1st green and 9th tee of Devil’s Elbow South. No other homes in sight from the back or right—this is your secluded slice of paradise.

With an extra-long driveway and endless potential, this property offers the perfect canvas to create your Lowcountry oasis. Need a clearer view? The perimeter trees can be removed to fully open up the breathtaking scenery.

Moss Creek is a premier gated community loaded with amenities, including:

  • 36 holes of championship…

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Every so often, a property comes along that captures our hearts, and this week, we can’t stop swooning over 167 Farnsleigh Avenue in Hampton Hall! Nestled in one of Bluffton’s most beloved gated communities, this cleared, high-elevation homesite is brimming with possibilities for your custom dream home. And we’re not the only ones crushing on it—we think you’ll fall in love too!

What makes this homesite so special? Let us count the ways:

  1. Prime Location: Hampton Hall’s reputation as "Bluffton’s Best" is well-earned. This lot’s position in the community gives you easy access to resort-like amenities while also offering privacy and serenity. The wooded rear view and natural space along one side make it feel like your own secret sanctuary—a…

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As we welcome the New Year, many of us start dreaming about the changes we’d like to see in our lives. Whether you’re imagining a stunning kitchen remodel, hosting family gatherings in your dream home, or setting personal milestones, one thing can help turn those dreams into reality: writing them down. Yes, pen to paper—old school, but incredibly effective.

Writing down goals isn’t just a feel-good exercise; it’s a proven method to focus your energy and take meaningful steps forward. Let’s dive into why this works, how it ties into your real estate dreams, and tips for making your goals stick in 2025.

Why Writing Down Your Goals Is Life-Changing

Did you know that people who write down their goals are 42% more likely to achieve them? That’s…

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Bluffton is buzzing with excitement as two incredible new businesses are preparing to open their doors, bringing even more life and flavor to this charming Lowcountry community. If you’ve been waiting for something new to spice up your routine, you’re in for a treat. Both the New York Butcher Shoppe and Parlor Doughnuts are set to become staples in the area, offering unique experiences that locals and visitors alike will love. Here’s a closer look at what makes them so special.

The New York Butcher Shoppe: A Meat Lover’s Haven


Say hello to your new go-to spot for all things gourmet! The New York Butcher Shoppe is setting up shop in New Riverside Village, bringing a fresh take on the traditional butcher experience. Originally founded in…

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Ah, the Lowcountry. Where we bask in mild winters, sipping sweet tea on porches well into December. But then it happens: the weatherman whispers the dreaded words—“freeze warning.” Cue the collective panic.

Suddenly, grocery carts overflow with bread and milk (why, exactly?), neighbors swap survival tips like we’re preparing for a polar vortex, and garden centers sell out of frost blankets overnight. It’s practically tradition. But let’s take a breath and sort out the practical from the overblown.

What to Actually Worry About During a Freeze

  1. Your Plants

    • The Lowcountry’s lush greenery isn’t used to temperatures below 32°F. While hardy plants like camellias, hollies, and palms can handle a little cold, tropical favorites like…

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Calling all food lovers! If you’ve been waiting for a reason to gather with friends and dive into the incredible flavors of Bluffton, we’ve got the perfect event for you. On Friday, January 10, 2025, from 5 to 9 PM, the Taste of Bluffton: Lowcountry Edition will transform Oyster Factory Park into a feast for the senses—and your taste buds.

This isn’t just another food festival. It’s a celebration of everything we love about the Lowcountry: fresh seafood, Southern hospitality, and a strong sense of community. Think all-you-can-eat May River oysters, shrimp, and local favorites like pulled pork sliders and tender biscuits. Pair it all with live music under the stars, and you’ve got a night that captures the heart and soul of Bluffton.

But this…

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As people live longer, healthier lives, love often finds its way into unexpected chapters. For many seniors who have both been married before, the idea of combining their lives by purchasing a home together is a natural next step. However, marriage isn’t always on the table for various emotional and financial reasons. So how do seniors navigate the exciting journey of buying a home together while protecting their individual interests? Let’s explore!

Why Skip the Marriage License?

For many seniors, maintaining financial independence is key. Common reasons for avoiding marriage include:

  • Inheritance Protection: Seniors often want to leave their estates to their children or other heirs.

  • Pension Concerns: Remarrying can affect…

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